贷款7万（公积金贷款）房贷，还款2年6个月的等额本息和等额本金的还款方式明细。
等额本息还款方式：
贷款总额：7万
还款月数：2年6个月
每月还款：2412.51元
利息总额：2375.42元
本息合计：7.24万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-05 | 2412.51 | 151.67 | 2260.85 | 67739.15 |
| 2 | 2024-06 | 2412.51 | 146.77 | 2265.75 | 65473.41 |
| 3 | 2024-07 | 2412.51 | 141.86 | 2270.66 | 63202.75 |
| 4 | 2024-08 | 2412.51 | 136.94 | 2275.57 | 60927.18 |
| 5 | 2024-09 | 2412.51 | 132.01 | 2280.51 | 58646.67 |
| 6 | 2024-10 | 2412.51 | 127.07 | 2285.45 | 56361.23 |
| 7 | 2024-11 | 2412.51 | 122.12 | 2290.40 | 54070.83 |
| 8 | 2024-12 | 2412.51 | 117.15 | 2295.36 | 51775.47 |
| 9 | 2025-01 | 2412.51 | 112.18 | 2300.33 | 49475.13 |
| 10 | 2025-02 | 2412.51 | 107.20 | 2305.32 | 47169.81 |
| 11 | 2025-03 | 2412.51 | 102.20 | 2310.31 | 44859.50 |
| 12 | 2025-04 | 2412.51 | 97.20 | 2315.32 | 42544.18 |
| 13 | 2025-05 | 2412.51 | 92.18 | 2320.34 | 40223.85 |
| 14 | 2025-06 | 2412.51 | 87.15 | 2325.36 | 37898.49 |
| 15 | 2025-07 | 2412.51 | 82.11 | 2330.40 | 35568.08 |
| 16 | 2025-08 | 2412.51 | 77.06 | 2335.45 | 33232.63 |
| 17 | 2025-09 | 2412.51 | 72.00 | 2340.51 | 30892.12 |
| 18 | 2025-10 | 2412.51 | 66.93 | 2345.58 | 28546.54 |
| 19 | 2025-11 | 2412.51 | 61.85 | 2350.66 | 26195.88 |
| 20 | 2025-12 | 2412.51 | 56.76 | 2355.76 | 23840.12 |
| 21 | 2026-01 | 2412.51 | 51.65 | 2360.86 | 21479.26 |
| 22 | 2026-02 | 2412.51 | 46.54 | 2365.98 | 19113.29 |
| 23 | 2026-03 | 2412.51 | 41.41 | 2371.10 | 16742.19 |
| 24 | 2026-04 | 2412.51 | 36.27 | 2376.24 | 14365.95 |
| 25 | 2026-05 | 2412.51 | 31.13 | 2381.39 | 11984.56 |
| 26 | 2026-06 | 2412.51 | 25.97 | 2386.55 | 9598.01 |
| 27 | 2026-07 | 2412.51 | 20.80 | 2391.72 | 7206.29 |
| 28 | 2026-08 | 2412.51 | 15.61 | 2396.90 | 4809.39 |
| 29 | 2026-09 | 2412.51 | 10.42 | 2402.09 | 2407.30 |
| 30 | 2026-10 | 2412.51 | 5.22 | 2407.30 | 0.00 |
等额本金还款方式：
贷款总额：7万
还款月数：2年6个月
首月还款：2485元
每月递减：5.06元
利息总额：2350.83元
本息合计：7.24万
节省利息：24.59元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-05 | 2485.00 | 151.67 | 2333.33 | 67666.67 |
| 2 | 2024-06 | 2479.94 | 146.61 | 2333.33 | 65333.33 |
| 3 | 2024-07 | 2474.89 | 141.56 | 2333.33 | 63000.00 |
| 4 | 2024-08 | 2469.83 | 136.50 | 2333.33 | 60666.67 |
| 5 | 2024-09 | 2464.78 | 131.44 | 2333.33 | 58333.33 |
| 6 | 2024-10 | 2459.72 | 126.39 | 2333.33 | 56000.00 |
| 7 | 2024-11 | 2454.67 | 121.33 | 2333.33 | 53666.67 |
| 8 | 2024-12 | 2449.61 | 116.28 | 2333.33 | 51333.33 |
| 9 | 2025-01 | 2444.56 | 111.22 | 2333.33 | 49000.00 |
| 10 | 2025-02 | 2439.50 | 106.17 | 2333.33 | 46666.67 |
| 11 | 2025-03 | 2434.44 | 101.11 | 2333.33 | 44333.33 |
| 12 | 2025-04 | 2429.39 | 96.06 | 2333.33 | 42000.00 |
| 13 | 2025-05 | 2424.33 | 91.00 | 2333.33 | 39666.67 |
| 14 | 2025-06 | 2419.28 | 85.94 | 2333.33 | 37333.33 |
| 15 | 2025-07 | 2414.22 | 80.89 | 2333.33 | 35000.00 |
| 16 | 2025-08 | 2409.17 | 75.83 | 2333.33 | 32666.67 |
| 17 | 2025-09 | 2404.11 | 70.78 | 2333.33 | 30333.33 |
| 18 | 2025-10 | 2399.06 | 65.72 | 2333.33 | 28000.00 |
| 19 | 2025-11 | 2394.00 | 60.67 | 2333.33 | 25666.67 |
| 20 | 2025-12 | 2388.94 | 55.61 | 2333.33 | 23333.33 |
| 21 | 2026-01 | 2383.89 | 50.56 | 2333.33 | 21000.00 |
| 22 | 2026-02 | 2378.83 | 45.50 | 2333.33 | 18666.67 |
| 23 | 2026-03 | 2373.78 | 40.44 | 2333.33 | 16333.33 |
| 24 | 2026-04 | 2368.72 | 35.39 | 2333.33 | 14000.00 |
| 25 | 2026-05 | 2363.67 | 30.33 | 2333.33 | 11666.67 |
| 26 | 2026-06 | 2358.61 | 25.28 | 2333.33 | 9333.33 |
| 27 | 2026-07 | 2353.56 | 20.22 | 2333.33 | 7000.00 |
| 28 | 2026-08 | 2348.50 | 15.17 | 2333.33 | 4666.67 |
| 29 | 2026-09 | 2343.44 | 10.11 | 2333.33 | 2333.33 |
| 30 | 2026-10 | 2338.39 | 5.06 | 2333.33 | 0.00 |